Football is Hard.

Getting A Mortgage Shouldn't Be.

Dat Nguyen
Hurst Lending Partner
Former Pro Football Player and Coach

Home – Hurst Lending & Insurance: Texas Mortgage and Insurance2020-03-06T18:41:34+00:00

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Traditional Mortgages

  • Low Down-Payments
  • Buy, Refi, or Cash Out
  • Primary or second home
  • New Construction or Existing Homes
  • Investment Properties
  • Bridge Loans, Divorce Loans and other special solutions

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Portfolio Loans

  • Residential Bridge Loans

  • Purchase New Home Before Old Home Sells

  • Self-Employed Borrowers (less than 2 years tax returns ok)

  • Retired & Fixed Income Buyers

  • “My Buyer Fell Out!” Bridge Loan

  • Real Estate Investor HELOC/Line of Credit

Why Choose Hurst

Outstanding Customer Satisfaction

Closed on our first home his morning and the process went great. Jay and his team do an outstanding job with communication and explaining everything along the way. For a first time buyer, they do a great job with every single step in the process.
Texags Forum
Hurst got me a great deal. I bought a new home so initially I dealt with the builder’s “preferred lender.” I told my builder’s “preferred lender” what Hurst’s offer was and he stated “sounds too good to be true, you sure he has everything included in his gfe?” Well, it was true and I couldn’t be happier!
He beat our builder’s lender’s offer, was a whole lot easier and nicer to work with, answered our questions, and we closed on time. AND we got to work with Aggies all around.
We closed on our house with Jay in November. He did a great job for us as well. We had a few issues that were out of the ordinary, and he helped us get through underwriting on time and close on the original date.
TexAgs Forum

Repeat & Referred Business


Successfully Closed Loans/Year

Industry Awards

Top 1% Loan Producers in the U.S.

aggie1002012 & 2013

Hurst Realtor Match:  Free Realtor Referral Service

Expert Realtors You Can Count On

  • Whatever your real estate needs, we will find a specialized expert for you
  • Experienced Realtors specializing in rural properties, VA Loans, first-time home-buyers, growing families, down-sizing, investment properties and more.
  • Save time and hassle
  • Buyer’s and Seller’s Agents
  • No cost, no obligation
  • Up to $6000 cash back!

Click to learn more about the Hurst Realtor Match referral program.

Family Owned & Operated

Still A Family Business

Founded by Jay Hurst and Scott Bialek, Hurst Lending & Insurance is still managed Jay, Scott and their families. While the mortgage industry is known for high turnover rates, Hurst Lending is recognized for providing consistent, personal service to our customers. That’s why more than 70% of our mortgage and insurance business is from repeat or referred customers!

Jay Hurst & Family

Jay Hurst & Family

Scott Bialek & Family

Scott Bialek & Family

How We Work – Virtual Workforce

We pride our self on having a unique virtual, work from home staffing model.  Many of our team members are stay-at-home parents who want a professional role with flexible hours.  Our team members tend to have college degrees and all of them have the ability to work from home with flexible hours.  We are adding team members to support our fast growing conventional and portfolio loan business. If you are interested in joining our team, please visit our careers page.

Texas Aggie Heritage

Hurst Lending is proud to be a part of the Texas A&M community.  Co-founder Jay Hurst (’00), investor Dat Nguyen (’98), senior manager of loan processing Sonja Zadel (’93) and several other employees and investors have degrees from Texas A&M.


Hurst Lending has been named twice among the 100 fastest-growing Aggie companies.

Out of a desire to serve the Texas A&M community, Hurst Lending & Insurance created a division called AgsReward, which offers an Aggie Realtor Referral program, apartment loans, and other mortgage and insurance offers particularly relevant to the Aggie family. AgsReward is a sponsor and active participant on the Real Estate Forum on

Hurst Lending is also very proud that we have twice been  recognized on the Aggie 100 list of fastest-growing Aggie-owned companies.

Refinance & Save

Almost anyone whose mortgage is more than 2 years old can save money by refinancing at current interest rates.
- Lower your interest rate
- Convert from 30 year to 15 year mortgage
- Lower your monthly payment
- Consolidate higher payment loans
- Eliminate PMI or higher rate 2nd liens
- Take cash out for home improvements
Get Quote
More About Us

Not Just Lenders. Problem Solvers.

Lots of mortgage lenders can offer a good rate on a conventional loan.  We can too – in fact, our rates are some of the best around.

The difference? Hurst Lending finds ways to make the deal work when your mortgage needs are outside the “conventional loan” box.

See All Specialty Loans

We Have The Answer To:

"I can't buy a new house till my old one sells."

residential bridge loans

"I need a low down-payment jumbo loan."

DFW jumbo loans

"I want to buy a house NOW, but my divorce isn't final"

divorce home loans

"Other lenders can't help me because I've been working overseas."

"They said my short sale was too recent..."

mortgage after short sale

"I want to build my own home...
but I need a low down payment construction loan."


FHA construction loanVA construction loan

"I want to buy a rural home on a LOT of land."

rural housing loans

"I just found out my dream vacation condo is a
non-warrantable condo project."

non warrantable condo loan

"I want to buy an investment property,
but I don't want to make a big down payment."

low down payment investor loans

"Does anyone even offer mortgage loans for condotels?"

condotel mortgage loans

Coronavirus Fears Drive Mortgage Rates to 8-Year Low

February 25th, 2020|

AP Photo/Kin Cheung As coronavirus fears hit financial markets, U.S. mortgage rates dropped to an eight-year low. The average rate on a 30-year fixed mortgage hit 3.34% on Monday, according to Mortgage News Daily. That rate hit 3.34% for one day in 2016, [...]

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Lowest Interest Rates in 3 Years

August 8th, 2019|

US Sees Lowest Mortgage Interest Rates in 3 Years August 8, 2019 By Jay Hurst, Co-Founder of Hurst Lending & Insurance Even if you have a good rate on your current 30-year mortgage, every homeowner should be looking at their financial [...]

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Winning A Competitive Real Estate Investment Edge – Part II

June 14th, 2019|

How to Save & Make Money Buying a “Fixer Upper” as an Investment Property by Scott Bialek, Co-Founder of Hurst Lending In my first blog of this 3-part series, I shared a case study in which a bridge loan was the key to [...]

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